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Your whole financial life, connected.

One clearer picture.
Sharper money decisions.

Household money. Small-business records. Crypto, stocks, metals and real estate. One clean surface, with Business and Household workspaces for your accounts, bills and transactions.

Find the cash gap. Compare a sale. Get difficult ledgers ready for tax time.

History sharpens decisions.New facts add context. Immutable decision records keep the original reasoning in view.

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Known financial position$263,650Cash + assets + property − recorded debt

Available cash$850Sep 16 · dated balance

HouseholdAvailable cash: $850
CryptoBTC · entered value: $51,000
StocksFund · entered value: $9,600
MetalsGold · basis missing: $7,200
Real estateRecorded equity: $195,000

Facts behind the picture

$2,635 in known obligations through Oct 15. Known scheduled amounts only.

Your workspace
and reports. Free.

Your free workspace keeps the records, decisions and history together.

Sign in to keep your own records. No payment card.

Holdings PDF

What you own and the available records behind it.

PDF

CPA Disposal Report

Completed sales, proceeds and available basis.

PDF

CPA Handoff Package

Decisions, assumptions and available evidence for handoff.

PDF · CSV · ZIP

See Sigil One in action.

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01 / See how your world fits together

Different accounts.
Connected decisions.

A property has equity. A holding has a cost basis. A bill has a due date. See each in context before deciding what to do next.

Two properties. One clear equity picture.

Bring purchase records, entered values and loan balances into the same view.

Fictional entered values · USD

Entered property value: $870,000
Appreciation vs. purchase: +$160,000
Known equity: $195,000

Property	Purchase	Entered value	Mortgage	Equity	Appreciation
Cedar House	$300,000	$375,000	$180,000	$195,000	+$75,000 · 25.0%
Lake Condo	$410,000	$495,000	Missing	Unknown	+$85,000 · 20.7%

Lake Condo needs a loan balance, or confirmation there is no loan, before its equity can be counted.

Scattered statements. A clearer next move.

See the position, its cost and the missing purchase history before you model a sale.

Fictional entered values · USD

Entered investment value: $15,000
Gain with known basis: +$2,400
Basis to find: 1 position

Position	Quantity	Entered value	Purchase cost	Unrealized gain
US Equity Fund	80	$9,600	$7,200	+$2,400
Company shares	120	$5,400	Missing	Unknown

Find the company-share purchase record. Its $5,400 value is known; its gain is still unknown.

New evidence. A better-informed decision.

Revisit a possible 0.75 BTC sale at $68,000 per BTC when a purchase record corrects the basis.

Fictional entered values · USD

Original estimated net: $45,600
Revised estimated net: $46,200
Difference explained: +$600

Decision	Basis per BTC	Estimated tax	Net proceeds
A · original inputs	$32,000	$5,400	$45,600
B · corrected basis	$36,000	$4,800	$46,200

The new purchase evidence explains the change. Keep the original decision and save a linked new version.

A healthy month can still have a tight day.

Line up cash, bills and income dates to find the gap before it reaches your account.

Fictional entered values · USD

Available cash: $850
Lowest known balance: -$99
Projected closing cash: $2,815

When	Recorded event	Outflow	Known cash left
September 18	Subscription	$49	$801
September 20	Rent, before same-day income	$900	-$99

An insurance amount is still missing. A $300 restricted reserve stays outside available cash until confirmed.

Know the value. Find the cost behind it.

Keep quantities, entered prices and purchase details together, even when a receipt is missing.

Fictional entered values · USD

Gold held: 3 units
Entered value: $7,200
Gain before the receipt: Unknown

Record state	Basis per unit	Total cost	Unrealized gain
Receipt missing	Unknown	Unknown	Unknown
With fictional receipt	$1,800	$5,400	+$1,800

A $7,200 position is not a $7,200 gain. Enter the purchase cost before treating the gain as known.

Give your CPA the record, not a scavenger hunt.

Bring document expectations, disposals and missing acquisition details into one review list.

Fictional entered values · USD

Document suggestions: 4
Completed disposal: 1
Acquisition gaps: 2

Review item	What is known	Next step
Completed asset sale	1 recorded disposal	Prepare the CPA Disposal Report
Gold acquisition	Basis and date missing	Locate the purchase record

No tax documents are recorded in this example yet. Suggestions tell you what to gather next.

A dashboard shaped around your life.

Choose your areas. Watch it adjust.

Areas that apply to this exampleProperty applies to meInvestments applies to meCrypto applies to meMetals applies to me

Cash flowPropertyInvestments

Existing records stay visible. Hidden sections do not delete data. This example changes only during your visit.

See the whole Morgan household exampleCash flow, holdings and property together

Known financial position$263,650

Cash + assets + property − recorded debt

Available cash$850

From dated, confirmed records

Lowest projected cash-$99

Sep 20 · timing needs attention

See the timing, not just the total.

Projected cash

Daily low · known scheduled amounts

Sep 16Oct 15

Expected income$4,600

Known obligations$2,635

In this window

Property

Cedar House (rental)

Recorded equity$195,000

$375,000 entered value$180,000 recorded mortgage

Across your holdings

Entered values

BTCCrypto
$51,000
US Equity FundInvestments
$9,600
GoldMetals
$7,200Basis unknown

Missing basis stays visible, so a missing record never becomes an assumed gain.

EXPLORE THE WORKSPACEYour whole picture, in view Open the populated example. Explore cash flow, property and holdings together.COMPARE A NEXT MOVEWhat would this sale mean? Change the assumptions. See the estimate and the facts it rests on.YOUR SCATTERED RECORDSRun a free CSV Diagnostic Example: 3 fictional records. 1 possible duplicate. 1 sale missing cost basis.One CSV, up to 1 MB. No account. Your file isn’t saved.

02 / Put the picture to work

See the consequence.
Then make your move.

Money in property or investments isn’t the same as cash for a bill. Compare what happens before you spend, sell or change the timing.

Try this separate four-record example. The purchase stays the same. Moving it past payday changes the lowest cash balance.

Cash timingSale proceedsEstimated taxMissing facts

Prefer to model a sale? Explore the decision tool

A separate cash-timing example · Fictional USD

Can this $350 purchase wait?

$1,200 in cash. $1,000 rent due. Payday is September 25.

Lowest projected cash

-$150a gap before payday

Buying before payday leaves you $150 short. Compare waiting five days before you decide.

See the four records behind this

Sep 16 · Cash balance: $1,200
Sep 20 · Rent: −$1,000
Sep 21 · Optional purchase: −$350
Sep 25 · Expected pay: +$2,000

September 30 cash: $1,850 in either plan. Timing changes the gap, not your income or total spending.

Assumes the purchase can wait at no extra cost. Illustrative forecast only. No money moves.

See how saved decisions keep their originals

03 / Your history becomes useful

History sharpens
decisions.

Every new bill, balance or purchase record adds context to your next move. Compare today’s picture with your last review. Revisit a saved decision with the earlier facts still in view.

Try it: a corrected purchase record means $600 lower estimated tax on this fictional possible sale. The original stays available. You can see exactly why the estimate changed.

01
Start with the original
The facts and assumptions that informed the first decision.
02
Add the corrected evidence
A new estimate, linked to the original record.
03
Revisit and verify
Inspect both records. Check the original’s integrity.

Saved decision records are immutable in the normal review flow: a new decision links to the original. Working records can be updated with retained revisions. Verification checks retained content against its fingerprint. It doesn’t certify the inputs or tax conclusion.

Your next decision starts with the last.Fictional example

New decision. Original kept.

0.75 BTC · $68,000 sale price per BTC · 20% tax assumption

Same sale. Better evidence.	Original A	After correction
Basis per BTC	$32,000	—
Modeled gain	$27,000	—
Projected tax	$5,400	—

A sample acquisition record corrects the basis to $36,000 per BTC. See what changes.

Check that the original record is unchanged.

Inspect records & verification

Fictional records stay only in this visit. Correction B uses the same sale price, quantity, date and tax assumptions. The browser compares A’s actual JSON with the server-provided initial fingerprint. A match checks retained content, not the truth of its sample evidence.

Original A · FICTIONAL-DECISION-1: Initial SHA-256: c0d80d36384e3c9f9d6d5ae933d6db16ebe54de1b40b36e18f61e6d734e6370d

{
  "context": {
    "recordKind": "planning_snapshot",
    "recordCurrency": "USD",
    "createdVia": "ui",
    "asset": "BTC",
    "quantity": 0.75,
    "buyDate": "2023-03-15",
    "buyPrice": 32000,
    "sellDate": "2025-06-10",
    "sellPrice": 68000,
    "gainLoss": 27000,
    "estimatedTax": 5400,
    "holdingPeriod": "long-term",
    "openPosition": true,
    "sellDateAssumed": false,
    "effectiveSellDate": "2025-06-10",
    "note": "Considering partial BTC sale",
    "sourcePosition": {
      "holdingId": "fictional-holding-BTC",
      "updatedAt": "2026-09-15T12:00:00.000Z",
      "source": "manual",
      "lifecycleClass": "manual_open_lot",
      "asset": "BTC",
      "quantity": 0.75,
      "buyDate": "2023-03-15",
      "buyPrice": 32000,
      "projectedUnitPrice": 68000,
      "continuityEvidence": {
        "version": 1,
        "isCurrentlyHeld": true,
        "records": [],
        "disposals": [],
        "recordsComplete": true,
        "disposalsComplete": true,
        "externalSources": [
          {
            "sourceId": "fictional-bitcoin-source",
            "status": "active",
            "lastSuccessAt": "2026-09-15T12:00:00.000Z",
            "lastError": null,
            "coverageComplete": true
          }
        ],
        "externalRecords": [
          {
            "recordId": "fictional-observation-1",
            "sourceId": "fictional-bitcoin-source",
            "identityHash": "1111111111111111111111111111111111111111111111111111111111111111",
            "recordHash": "aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa",
            "recordState": "confirmed",
            "reviewStatus": "confirmed",
            "linkedToHolding": true,
            "latest": true
          }
        ],
        "externalSourcesComplete": true,
        "externalRecordsComplete": true
      },
      "note": "Fictional manual acquisition facts with illustrative source evidence. No provider was contacted, source verified, or account record created. Address activity does not establish basis."
    }
  },
  "assumptions": {
    "federalMarginalRate": 0.15,
    "stateRate": 0.05,
    "combinedRate": 0.2,
    "modelType": "marginal_impact_only",
    "disclaimer": "Estimated tax exposure, not taxes owed. Assumes marginal rate applies to entire gain."
  },
  "errors": [],
  "valid": true,
  "id": "FICTIONAL-DECISION-1",
  "createdAt": "2026-09-16T12:01:00.000Z",
  "symbol": "BTC",
  "note": "Considering partial BTC sale",
  "reviewNotes": "Confirm the acquisition record before acting on this example."
}

Sample only · kept in this visit · no transaction. Estimates use chosen assumptions.

04 / Less chasing at tax time

Less time untangling records.
Get to tax filing faster.

Review difficult crypto activity and stock sales. Gather small-business records and household documents in the right workspace. Give your preparer organized reports, source details and open questions so the filing conversation can move forward.

01 / BRING IT IN

Start with your records

Enter details or review a supported CSV. Keep the source details with your work.

02 / FIND THE GAPS

Know what needs review

Spot possible duplicates, missing basis and outstanding documents before the handoff.

03 / CARRY IT FORWARD

Give your CPA the context

Share holdings, eligible completed sales and saved decisions through the relevant reports.

Start with the file you already have.Find missing details before they become another tax-time question.

Check my CSV for free

See what travels with the numbers

A clearer handoff.
A better starting point.

Spend less of tax preparation reconstructing the story. Bring the records, assumptions and unresolved questions into the same conversation.

Keep the starting point
Return to the original facts and assumptions, even after a new decision.
Bring the context forward
See the source details captured with a decision and what still needs review.
Give the next person a clearer picture
The CPA Handoff Package brings selected saved decisions and their available evidence together.

Explore decision records

Inside a CPA Handoff PackageFictional sample

SIGIL ONEPlanning support for professional review

Sale Decision Record

Considering partial BTC sale

Original A

Proposed sale: 0.75 BTC at $68,000 per unit.

Decision at a glance

Modeled proceeds: $51,000
Estimated tax at selected rates: $5,400

Proceeds after estimated tax$45,600

Inputs and selected assumptions

Basis per BTC: $32,000
Federal / state rate: 15% / 5%
Fees and other taxes: Not modeled

Source context

Manual acquisition facts.
Fictional. Not externally verified.

Questions for your CPA

Confirm the acquisition record before acting on this example.

A modeled sale is not a completed transaction. These figures are planning estimates, not taxes owed.

Representative excerpt using the original fictional example. No saved record or export was created. The full report includes further context and limits.

05 / A workspace that carries forward

Set up once.
Keep building.
Bring your people.

Start with one account record, a bill, a property or a holding. Your workspace keeps that context. Add details as you go, update what changes and reuse the records for your next review.

Choose a Business or Household workspace. Invite people with the access they need. Both start with sign-in.

01 / BUSINESSFor your team

Bring employees and teammates into a shared workspace. Choose what each person can see and do.

02 / HOUSEHOLDFor your family

Bring a partner or family member into the conversation, with access you control.

Today Start with what you haveNext review Update the factsOver time Keep the decisions and their history

Your records can do more for you.

One picture today.
More context for every next move.

Bring your money, records and people into the picture. Keep the history that helps you decide.

Build my financial picture Have a CSV? Try the Free Diagnostic

A few practical answers

Before you start.

What can I use for free?

Your workspace, Financial Pulse, saved decisions and all three report outputs are free today. No subscription or payment card is required. Sign in to keep your own records. Reports still need the relevant records, including eligible completed sales for the CPA Disposal Report.

How do I bring my records in?

Start small: enter a balance, a bill, a property or a holding. You can also review a supported CSV before confirming its rows as records. Public examples use fictional data. Example and diagnostic results do not automatically become account records.

Do I need to connect my bank?

No bank connection required. Sigil works from the records you enter and review. The examples use entered prices, not live market prices.

Who can see my records?

Record visibility and workspace permissions control what members can see. Workspace owners choose who to invite and which access to grant. Personal records you save are stored so you can return to them. Read the Privacy Policy for data handling and service providers.

What does verification check?

It compares a saved decision bundle with its stored checksums. In the normal re-evaluation flow, the original stays available and the new decision links back to it. A match checks record integrity, not whether the inputs or tax treatment are correct.

Is this financial or tax advice?

Sigil One helps you organize records and compare scenarios. It does not move money, file taxes or provide professional advice. Estimates use your records and chosen assumptions. Missing information stays visible.